/* ===== HEALTH INSURANCE PAGE – PAGE-SPECIFIC STYLES ===== */

html { scroll-behavior: smooth; }

/* Logo-only navbar — centred or left-aligned */
.navbar-logo-only .navbar-inner {
  justify-content: flex-start;
}

/* ===== STICKY BOTTOM BAR ===== */
.sticky-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 200;
  background: var(--navy-dark);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 14px 0;
  transform: translateY(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 -8px 32px rgba(0,0,0,0.25);
}

.sticky-bar.visible {
  transform: translateY(0);
}

.sticky-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.sticky-bar-pitch {
  font-family: var(--font-body);
  font-size: 15px;
  color: rgba(255,255,255,0.75);
  line-height: 1.5;
}

.sticky-bar-cta {
  background: white;
  color: var(--navy-mid);
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 700;
  padding: 12px 24px;
  border-radius: 8px;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  transition: opacity 0.2s, transform 0.15s;
}

.sticky-bar-cta:hover {
  opacity: 0.9;
  transform: translateY(-1px);
}

/* ===== HERO ===== */
.hi-hero {
  background: var(--navy-dark);
  padding: 80px 0 96px;
  position: relative;
  overflow: hidden;
}

/* Subtle radial glow */
.hi-hero::before {
  content: '';
  position: absolute;
  top: -200px;
  left: -200px;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(0,50,200,0.25) 0%, transparent 65%);
  pointer-events: none;
}

.hi-hero::after {
  content: '';
  position: absolute;
  bottom: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(0,50,200,0.15) 0%, transparent 65%);
  pointer-events: none;
}

.hi-hero-inner {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 64px;
  align-items: start;
  position: relative;
  z-index: 1;
}

.hi-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 20px;
}

.hi-hero-text h1 {
  font-family: var(--font-heading);
  font-size: clamp(32px, 4vw, 54px);
  font-weight: 700;
  color: white;
  line-height: 1.12;
  letter-spacing: -1.5px;
  margin-bottom: 0;
}

.hi-hero-text h1 em {
  font-style: normal;
  color: #4ade80;
}


/* Hero image (first fold) */
.hi-hero-image-wrap {
  border-radius: 20px;
  overflow: hidden;
  margin: 24px 0 0;
  aspect-ratio: 342 / 222;
  max-height: 280px;
}

.hi-hero-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 15%;
  display: block;
}

/* Family variant: image sits at top before H1 */
.hi-hero-image-wrap.image-top {
  margin: 0 0 24px;
}

/* Light hero variant — Family page */
.hi-hero.hi-hero-light {
  background: #ffffff;
}
.hi-hero.hi-hero-light::before,
.hi-hero.hi-hero-light::after { display: none; }
.hi-hero.hi-hero-light .hi-hero-text h1 { color: var(--navy-dark); }
.hi-hero.hi-hero-light .hi-hero-text h1 em { color: #22c55e; }
.hi-hero.hi-hero-light .trust-card strong { color: var(--text-primary); }
.hi-hero.hi-hero-light .trust-card + .trust-card { border-left-color: rgba(0,0,0,0.1); }
/* Override icon color on light background so SVGs are visible */
.hi-hero.hi-hero-light .trust-card-icon { color: var(--navy-dark); }

/* Trust strip — 3 props, single row, no background */
.trust-grid {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 28px;
}

.trust-card {
  display: flex;
  align-items: center;
  gap: 10px;
  flex: 1;
}

/* Thin divider between cards */
.trust-card + .trust-card {
  border-left: 1px solid rgba(255,255,255,0.12);
  padding-left: 16px;
}

.trust-card-icon {
  width: 28px;
  height: 28px;
  background: transparent;
  border-radius: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: white;
}

.trust-card-icon img {
  width: 25px;
  height: 25px;
  display: block;
  object-fit: contain;
}

.trust-card strong {
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 600;
  color: white;
  line-height: 1.3;
}

/* Keep btn-primary for steps section CTA */
.btn-primary {
  display: inline-flex;
  align-items: center;
  background: white;
  color: var(--blue);
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 10px;
  text-decoration: none;
  transition: opacity 0.2s, transform 0.15s;
}

.btn-primary:hover {
  opacity: 0.92;
  transform: translateY(-1px);
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  color: rgba(255,255,255,0.65);
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
  gap: 6px;
  transition: color 0.2s;
}

.btn-ghost:hover { color: white; }

/* Hero form card */
.hi-hero-card {
  background: white;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 32px 80px rgba(0,0,0,0.3);
}

.hi-hero-card-header {
  background: var(--blue);
  padding: 20px 24px;
  display: flex;
  align-items: center;
  gap: 14px;
}

.hi-hero-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  overflow: hidden;
  background: #e9d0a4;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  padding-right: 5px;
  padding-top: 5px;
}

.hi-hero-card-icon img {
  max-width: 100%;
  max-height: 100%;
  width: auto;
  height: auto;
  object-fit: contain;
}

.hi-hero-card-header h3 {
  font-family: var(--font-heading);
  font-size: 16px;
  font-weight: 700;
  color: white;
  line-height: 1.3;
}

.hi-form {
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.hi-form [data-step="1"],
.hi-form [data-step="2"] {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.hi-form-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.hi-form-field label {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.4px;
}

.hi-form-field input,
.hi-form-field select {
  border: 1.5px solid #e4e7ec;
  border-radius: 8px;
  padding: 11px 14px;
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--text-primary);
  outline: none;
  transition: border-color 0.2s;
  background: white;
  width: 100%;
  appearance: none;
}

.hi-form-field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23667085' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 38px;
  cursor: pointer;
}

.hi-form-field input:focus,
.hi-form-field select:focus {
  border-color: var(--blue);
}

.hi-form-field input::placeholder { color: #b0b8c8; }

.input-prefix-wrap {
  display: flex;
  border: 1.5px solid #e4e7ec;
  border-radius: 8px;
  overflow: hidden;
  transition: border-color 0.2s;
}

.input-prefix-wrap:focus-within { border-color: var(--blue); }

.input-prefix {
  background: #f9fafb;
  border-right: 1.5px solid #e4e7ec;
  padding: 11px 12px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  flex-shrink: 0;
}

.input-prefix-wrap input {
  border: none;
  border-radius: 0;
  padding-left: 10px;
}

.form-disclaimer {
  display: flex;
  align-items: flex-start;
  gap: 6px;
  font-size: 11.5px;
  color: #98a2b3;
  line-height: 1.5;
}

.form-disclaimer svg { margin-top: 1px; flex-shrink: 0; }

/* ===== PROBLEM SECTION ===== */
.problem-section {
  padding: 80px 0;
  background: #f8f9ff;
  border-top: 1px solid #eef0f8;
}

.problem-heading {
  text-align: center;
  margin-bottom: 48px;
}

.problem-heading h2 {
  font-family: var(--font-heading);
  font-size: clamp(24px, 3vw, 40px);
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.8px;
  line-height: 1.2;
  margin-top: 12px;
}

.problem-items {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.problem-item {
  display: flex;
  flex-direction: column;
  gap: 14px;
  background: white;
  border: 1px solid #eef0f8;
  border-radius: 16px;
  padding: 28px 24px;
}

.problem-icon {
  width: 48px;
  height: 48px;
  background: var(--blue-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.problem-item p {
  font-size: 15px;
  color: var(--text-primary);
  line-height: 1.65;
}

/* ===== WHY SECTION ===== */
.why-section {
  padding: 96px 0;
  background: white;
}

.why-header {
  text-align: center;
  max-width: 600px;
  margin: 0 auto 56px;
}

.why-header h2 {
  font-family: var(--font-heading);
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -1px;
  line-height: 1.15;
  margin: 12px 0;
}

.section-label {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--blue);
  background: var(--blue-light);
  padding: 4px 12px;
  border-radius: 100px;
  margin-bottom: 8px;
}

.section-label.light {
  color: rgba(255,255,255,0.7);
  background: rgba(255,255,255,0.12);
}

.section-sub {
  font-size: 16px;
  color: var(--text-secondary);
  line-height: 1.65;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

/* First card spans full first row col 1–2, then the featured one is big */
.why-grid .why-card:first-child {
  grid-column: 1 / 3;
}

.why-card {
  border: 1.5px solid #eef0f8;
  border-radius: 16px;
  padding: 28px;
  background: white;
  transition: box-shadow 0.2s, transform 0.2s;
}

.why-card:hover {
  box-shadow: 0 8px 32px rgba(0,50,200,0.08);
  transform: translateY(-2px);
}

.why-card-featured {
  background: var(--navy-dark);
  border-color: transparent;
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 28px;
}

.why-card-featured h3 { color: white !important; }
.why-card-featured p { color: rgba(255,255,255,0.65) !important; }

.why-card-text {
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
  min-width: 0;
}

.why-card-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-bottom: 16px;
}

.why-card-featured .why-card-icon {
  background: var(--blue);
  margin-bottom: 0;
}

.why-card:not(.why-card-featured) .why-card-icon {
  background: var(--blue-light);
}

.why-card h3 {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.4px;
  margin-bottom: 8px;
}

.why-card p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.65;
}

/* ===== TESTIMONIALS ===== */
.testimonials-section {
  padding: 80px 0 96px;
  background: #f8f9ff;
  text-align: center;
}

.testimonials-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 48px;
}

.testimonials-inner h2 {
  font-family: var(--font-heading);
  font-size: clamp(26px, 3vw, 40px);
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.8px;
  margin-top: 8px;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  width: 100%;
  text-align: left;
}

.testimonial-card {
  background: white;
  border: 1.5px solid #eef0f8;
  border-radius: 16px;
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.stars {
  color: #f59e0b;
  font-size: 15px;
  letter-spacing: 2px;
}

.testimonial-card p {
  font-size: 15px;
  color: var(--text-primary);
  line-height: 1.7;
  flex: 1;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 4px;
  border-top: 1px solid #f2f4f7;
}

.avatar {
  width: 40px;
  height: 40px;
  background: var(--blue-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 700;
  color: var(--blue);
  flex-shrink: 0;
}

.testimonial-author strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  color: var(--text-primary);
}

.testimonial-author span {
  font-size: 12px;
  color: var(--text-secondary);
}

/* ===== STEPS SECTION ===== */
.steps-section {
  padding: 0 0 80px;
}

.steps-block {
  background: var(--blue);
  border-radius: 32px;
  padding: 64px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
  position: relative;
  overflow: hidden;
}

.steps-header {
  color: white;
}

.steps-header h2 {
  font-family: var(--font-heading);
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 700;
  line-height: 1.18;
  letter-spacing: -0.8px;
  margin: 12px 0 16px;
}

.steps-header p {
  font-size: 16px;
  color: rgba(255,255,255,0.65);
  line-height: 1.65;
  margin-bottom: 32px;
}

.steps-list-block {
  display: flex;
  flex-direction: column;
}

.step-card {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.step-num-badge {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 700;
  color: rgba(255,255,255,0.7);
  flex-shrink: 0;
}

.step-content h3 {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 700;
  color: white;
  margin-bottom: 6px;
  letter-spacing: -0.3px;
}

.step-content p {
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  line-height: 1.65;
}

.step-connector {
  width: 1px;
  height: 32px;
  background: rgba(255,255,255,0.15);
  margin: 12px 0 12px 20px;
}

.steps-asterisk {
  position: absolute;
  bottom: 32px;
  right: 52px;
  font-size: 72px;
  color: #4ade80;
  line-height: 1;
  opacity: 0.85;
}

/* ===== MUMBAI BANNER ===== */
.mumbai-banner {
  position: relative;
  overflow: hidden;
  background: linear-gradient(150deg, #fef8ee 0%, #fdebd0 60%, #fbe2b8 100%);
  padding: 40px 0 0;
}

.mumbai-banner-circles {
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.mumbai-banner-circles::before {
  content: '';
  position: absolute;
  width: 480px; height: 480px;
  border-radius: 50%;
  background: rgba(255,185,80,0.18);
  top: -250px; left: -50px;
}

.mumbai-banner-circles::after {
  content: '';
  position: absolute;
  width: 416px; height: 416px;
  border-radius: 50%;
  background: rgba(255,185,80,0.12);
  top: -200px; right: -100px;
}

.mumbai-banner-content {
  position: relative;
  z-index: 1;
  padding: 0 24px;
  text-align: center;
}

.mumbai-headline {
  font-family: var(--font-heading);
  font-size: clamp(22px, 7vw, 32px);
  font-weight: 700;
  color: #16181d;
  line-height: 1.25;
  letter-spacing: -1px;
  margin-bottom: 8px;
}

.mumbai-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(103deg, #eed6ad 40%, #f7e6c7 116%);
  border: 1.1px solid #fff6e4;
  border-radius: 57px;
  padding: 3px 14px;
  font-size: 0.88em;
  font-weight: 700;
  color: #b8720f;
  text-transform: uppercase;
  letter-spacing: -0.04em;
  margin: 0 3px;
  vertical-align: middle;
  line-height: 1.5;
}

.mumbai-advisors {
  display: flex;
  gap: 20px;
  justify-content: center;
  overflow-x: auto;
  padding: 28px 24px 8px;
  scrollbar-width: none;
  -ms-overflow-style: none;
}
.mumbai-advisors::-webkit-scrollbar { display: none; }

.mumbai-advisor {
  flex-shrink: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  width: 92px;
}

.mumbai-advisor-photo {
  width: 92px;
  height: 92px;
  border-radius: 50%;
  overflow: hidden;
  background: #e9d0a4;
}

.mumbai-advisor-photo.bg-blue { background: #a6d3df; }

.mumbai-advisor-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.mumbai-advisor-name {
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 900;
  color: #16181d;
  text-transform: uppercase;
  letter-spacing: -0.03em;
  text-align: center;
}

.mumbai-advisor-count {
  font-family: var(--font-body);
  font-size: 12px;
  color: rgba(22,24,29,0.65);
  text-align: center;
  margin-top: -2px;
}

.mumbai-cta-wrap {
  padding: 20px 24px 28px;
  position: relative;
  z-index: 1;
  text-align: center;
}

.mumbai-banner-cta {
  display: inline-block;
  background: #070c1a;
  color: white;
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 600;
  padding: 18px 36px;
  border-radius: 8px;
  text-decoration: none;
  text-align: center;
  white-space: nowrap;
  letter-spacing: -0.02em;
  transition: opacity 0.2s;
}
.mumbai-banner-cta:hover { opacity: 0.85; }

.mumbai-trust-strip {
  background: rgba(0,0,0,0.05);
  padding: 14px 24px;
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
  z-index: 1;
}
.mumbai-trust-strip .trust-card {
  flex: none;
}
.mumbai-trust-strip .trust-card strong { color: #16181d; }
.mumbai-trust-strip .trust-card + .trust-card {
  border-left: 1px solid rgba(0,0,0,0.12);
  padding-left: 16px;
  margin-left: 8px;
}

.mumbai-form-section {
  padding: 64px 0;
  background: var(--navy-dark);
}
.mumbai-form-section .hi-hero-card {
  max-width: 420px;
  margin: 0 auto;
}

/* ===== PROBLEM ITEM WITH TITLE ===== */
.problem-item h3 {
  font-family: var(--font-heading);
  font-size: 16px;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.3px;
  margin-bottom: 0;
}

/* ===== FORM VALIDATION ERRORS ===== */
.field-error {
  display: none;
  font-size: 12px;
  color: #e03535;
  margin-top: 4px;
  font-family: var(--font-body);
  line-height: 1.4;
}

.hi-form-field input.input-error,
.hi-form-field select.input-error {
  border-color: #e03535 !important;
}

.input-prefix-wrap.has-error {
  border-color: #e03535 !important;
}

/* ===== OTP STEP ===== */
.otp-step-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 6px;
  padding-top: 4px;
}

.otp-icon {
  width: 56px;
  height: 56px;
  background: var(--blue-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 8px;
  flex-shrink: 0;
}

.otp-heading {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.4px;
  margin: 0;
}

.otp-subtext {
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin: 0 0 8px;
}

.otp-subtext strong {
  color: var(--text-primary);
}

.otp-step-inner .hi-form-field {
  width: 100%;
  text-align: left;
}

.otp-input {
  font-size: 22px !important;
  letter-spacing: 10px !important;
  text-align: center !important;
  font-family: var(--font-heading) !important;
  font-weight: 700 !important;
  padding: 14px !important;
}

.otp-footer {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 24px;
  margin-top: 2px;
}

.otp-timer {
  font-family: var(--font-body);
  font-size: 13px;
  color: var(--text-secondary);
}

.otp-timer strong {
  color: var(--text-primary);
}

.otp-resend-btn {
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  color: var(--blue);
  cursor: pointer;
  padding: 0;
  text-decoration: underline;
  display: none;
}

.otp-back-btn {
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: 13px;
  color: var(--text-secondary);
  cursor: pointer;
  padding: 4px 0;
  margin-top: 2px;
  transition: color 0.2s;
}

.otp-back-btn:hover {
  color: var(--text-primary);
}

/* ===== FORM SUCCESS ===== */
.form-success {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 16px 0;
  gap: 10px;
}

.success-icon {
  width: 64px;
  height: 64px;
  background: #dcfce7;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 4px;
}

.form-success h3 {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.5px;
  margin: 0;
}

.form-success p {
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin: 0;
}

.success-note {
  font-size: 13px !important;
  color: #98a2b3 !important;
}

/* ===== HERO IMAGE PLACEHOLDER ===== */
.hero-img-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, rgba(255,255,255,0.05) 0%, rgba(0,50,200,0.2) 100%);
}

.hi-hero.hi-hero-light .hero-img-placeholder {
  background: linear-gradient(135deg, #eef2ff 0%, #e0f2e9 100%);
}

/* ===== ADVISOR AVATAR (initials) ===== */
.advisor-avatar {
  display: flex !important;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 30px;
  font-weight: 900;
  color: rgba(255,255,255,0.55);
  letter-spacing: -0.5px;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .hi-hero-inner { grid-template-columns: 1fr 360px; gap: 40px; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .why-grid .why-card:first-child { grid-column: 1 / -1; }
  .steps-block { padding: 48px; gap: 40px; }
}

 

@media (max-width: 768px) {
  .hi-hero-inner { grid-template-columns: 1fr; }
  .hi-hero-card { max-width: 100%; }
  .trust-grid { flex-wrap: nowrap; gap: 10px; }
  .trust-card + .trust-card { border-left: none; padding-left: 0; }

  .problem-items { grid-template-columns: 1fr; }

  /* Why CoverSure — horizontal scroll on mobile */
  .why-grid {
    display: flex;
    flex-direction: row;
    overflow-x: auto;
    gap: 16px;
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    padding: 4px 4px 16px;
  }
  .why-grid::-webkit-scrollbar { display: none; }

  .why-grid .why-card {
    flex: 0 0 260px;
    scroll-snap-align: start;
  }

  .why-grid .why-card:first-child {
    grid-column: auto;
    flex: 0 0 280px;
  }

  .why-card-featured {
    flex-direction: column;
    align-items: flex-start;
  }

  .why-card-featured .why-card-icon {
    margin-bottom: 12px;
  }

  .testimonials-grid { grid-template-columns: 1fr; }

  .steps-block {
    grid-template-columns: 1fr;
    padding: 40px 24px;
    border-radius: 24px;
  }
  .steps-asterisk { font-size: 40px; bottom: 20px; right: 24px; }
}

@media (max-width: 600px) {
  .sticky-bar-pitch { display: none; }
  .sticky-bar-inner { justify-content: center; }
  /* Keep the 3 trust cards on a single row on phones */
  .trust-grid { flex-wrap: nowrap; gap: 8px; }
  .trust-card { gap: 6px; min-width: 0; }
  .trust-card-icon { width: 22px; height: 22px; }
  .trust-card-icon img { width: 20px; height: 20px; }
  .trust-card strong { font-size: 11px; line-height: 1.25; }
  .trust-card + .trust-card { border-left: none; padding-left: 0; }
  .sticky-bar-cta { font-size: 15px; padding: 13px 32px; width: 100%; max-width: 360px; text-align: center; }
}



/* ===== GOOGLE REVIEWS SECTION ===== */
.reviews-section {
  padding: 72px 0 64px;
  background: #fff;
}

.reviews-hd {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  margin-bottom: 36px;
  flex-wrap: wrap;
}

.reviews-hd-left {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.reviews-title {
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 700;
  color: var(--navy-dark);
  margin: 0;
}

.reviews-meta-row {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.reviews-score {
  font-family: var(--font-heading);
  font-size: 24px;
  font-weight: 700;
  color: var(--navy-dark);
  line-height: 1;
}

.reviews-stars-strip {
  color: #FBBC05;
  font-size: 18px;
  letter-spacing: 1px;
  line-height: 1;
}

.reviews-count-text {
  font-size: 14px;
  color: #667085;
}

.reviews-google-logo-wrap {
  display: flex;
  align-items: center;
}

.btn-review-google {
  display: inline-flex;
  align-items: center;
  background: var(--blue);
  color: #fff;
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  padding: 10px 22px;
  border-radius: 24px;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background 0.2s;
}

.btn-review-google:hover { background: #001e9a; }

.reviews-swiper-wrap {
  position: relative;
  padding: 0 8px;
}

.reviews-swiper { overflow: hidden; }
.reviews-swiper .swiper-wrapper { align-items: stretch; }

.review-card {
  background: #fff;
  border: 1px solid #E5E9F0;
  border-radius: 8px;
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  height: 100%;
  box-sizing: border-box;
  box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}

.review-stars-row {
  color: #FBBC05;
  font-size: 15px;
  letter-spacing: 1px;
  line-height: 1;
}

.review-text {
  font-size: 14px;
  line-height: 1.65;
  color: #374151;
  flex: 1;
  margin: 0;
}

.review-author-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: auto;
  padding-top: 12px;
  border-top: 1px solid #F3F4F6;
}

.review-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  flex-shrink: 0;
}

.review-author-info {
  display: flex;
  flex-direction: column;
  gap: 2px;
  flex: 1;
  min-width: 0;
}

.review-name {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy-dark);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.review-date { font-size: 12px; color: #9CA3AF; }

.review-g-icon { flex-shrink: 0; }

.reviews-nav {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid #E5E9F0;
  background: #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,0.10);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  padding: 0;
  color: var(--navy-dark);
  transition: box-shadow 0.2s;
}

.reviews-nav:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.15); }
.reviews-prev { left: -12px; }
.reviews-next { right: -12px; }

@media (max-width: 768px) {
  .reviews-section { padding: 48px 0 40px; }
  .reviews-hd { flex-direction: column; }
  .btn-review-google { width: 100%; justify-content: center; }
  .reviews-title { font-size: 22px; }
  .reviews-prev { left: 0; }
  .reviews-next { right: 0; }
}

/* ===== PARTNERS SECTION ===== */
.partners-section {
  padding: 64px 0;
  background: #f8f9fb;
  overflow: hidden;
}
.partners-title {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  color: var(--navy-dark);
  text-align: center;
  margin: 0 0 8px;
}
.partners-subtitle {
  text-align: center;
  color: #64748b;
  font-size: 1rem;
  margin: 0 0 40px;
}
.partners-block-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #94a3b8;
  text-align: center;
  margin-bottom: 18px;
}
.partners-insurers-label {
  margin-top: 36px;
}
.partners-row {
  overflow: hidden;
  margin-bottom: 12px;
}
.partners-track {
  display: flex;
  align-items: center;
  width: max-content;
  animation: partners-scroll 40s linear infinite;
}
.partners-row--reverse .partners-track {
  animation-direction: reverse;
}
@keyframes partners-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
.partner-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px 32px;
  min-width: 120px;
}
.partner-logo img {
  max-height: 52px;
  max-width: 120px;
  width: auto;
  height: auto;
  object-fit: contain;
  filter: grayscale(100%);
  opacity: 0.55;
  transition: filter 0.25s, opacity 0.25s;
}
.partner-logo img:hover {
  filter: none;
  opacity: 1;
}
@media (max-width: 768px) {
  .partners-section { padding: 48px 0; }
  .partner-logo { padding: 12px 20px; min-width: 90px; }
  .partner-logo img { max-height: 40px; max-width: 90px; }
}

/* ===== FOOTER ===== */
.footer {
  background: var(--navy-dark, #001247);
  color: rgba(255,255,255,0.75);
  padding: 20px;
}
.footer-legal-section {
  padding: 40px 0 32px;
}
.footer-company-name {
  font-size: 1.05rem;
  font-weight: 700;
  color: #fff;
  margin: 0 0 16px;
}
.footer-legal-line {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.75);
  margin: 0 0 8px;
  line-height: 1.5;
}
.footer-legal-line:last-child { margin-bottom: 0; }
.footer-legal-link {
  color: #60a5fa;
  text-decoration: underline;
}
.footer-legal-link:hover { color: #93c5fd; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 24px 0  88px 0;
}
.footer-bottom-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
  text-align: center;
}
.footer-copy {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
  margin: 0;
}
.footer-policy-links {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  justify-content: center;
}
.footer-policy-links a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
}
.footer-policy-links a:hover { color: #fff; }
.footer-policy-links span {
  color: rgba(255,255,255,0.25);
  font-size: 0.82rem;
}
.footer-follow {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin: 0;
}
.footer-social {
  display: flex;
  align-items: center;
  gap: 16px;
}
.footer-social a {
  color: rgba(255,255,255,0.65);
  display: flex;
  align-items: center;
  transition: color 0.2s;
}
.footer-social a:hover { color: #fff; }
@media (max-width: 768px) {
  .footer-legal-section { padding: 32px 0 24px; }
  .footer-company-name { font-size: 0.95rem; }
  .footer-legal-line { font-size: 0.82rem; }
}

/* Regulatory disclaimer strip — sits just above the footer */
.reg-disclaimer {
  background: #e5e7eb;
  color: #475569;
  padding: 18px 0;
  border-top: 1px solid #d1d5db;
}
.reg-disclaimer p {
  margin: 0;
  font-size: 12px;
  line-height: 1.6;
  text-align: center;
  max-width: 960px;
  margin-left: auto;
  margin-right: auto;
}
.reg-disclaimer-arn {
  font-weight: 600;
  color: #1f2937;
  margin-bottom: 6px !important;
  letter-spacing: 0.2px;
}
@media (max-width: 768px) {
  .reg-disclaimer { padding: 16px 0; }
  .reg-disclaimer p { font-size: 11.5px; text-align: left; }
}